Forget the binary between early or last-minute document verification; the real question lies elsewhere.
The ease of access to digital services changes the game and makes this divide less relevant than it appears.
Here in Portugal, the Chave Móvel Digital and portals like Finanças greatly simplify administrative management.
If 75% verify in advance, it may be because the tool makes the action quick and painless, like using the ePortugal portal for a document, not just due to disposition.